Pet Insurance for Breeders: 2023 Guide

Responsible animal husbandry starts with making sure your mother receives quality veterinary care before, during, and after birth.

Experienced breeders may already know the costs of prenatal tests and nutrition, but what if the pregnancy doesn’t go as planned? Sudden complications during breastfeeding or queening can be life-threatening for the mother and her litter, requiring immediate medical attention — and possibly a couple thousand dollars out of your pocket.

In this article, we provide our best pet insurance tips for pet owners.

Disclaimer: This article is intended as an educational resource for licensed, ethical breeders and should not be used as a substitute for professional veterinary advice.

Most leading providers do not cover breeding, pregnancy or injuries related to dogs or cats, which can make purchasing pet health insurance difficult if you are a breeder.

The average gestation period for dogs and cats is approx. 63 days are long.. While it won’t take long for your dam or queen to reach full term, at just over two months there’s still plenty of time for emergencies, some of which aren’t even related to pregnancy.

For example, pyometra is a life-threatening infection of the uterus that affects unspayed cats and dogs, often in older, non-pregnant women.

in fact, One in five intact female dogs Pyometra develops after 10 years of age. Both cats and dogs should be weaned after retirement from breeding to prevent pyometra and reproductive cancers.

Ovary, uterus And Breast cancer Unpaid female cats and dogs are common. Treatment costs for most types of veterinary cancer can easily climb into the $10,000+ range.

Many breeds of dogs, including English Bulldogs, French Bulldogs, and Boston Terriers, require a canine Caesarean section for successful delivery.

A handful of pet insurers cover the cost of emergency C-sections, but some only cover the procedure if the pet has not had a previous C-section.

We’ve included a chart below for a consolidated view of what an uninsured breeder will have to pay out of pocket for common health issues affecting queens and dams.

The monthly cost of pet insurance for breeders depends on the age, breed, breed and geographic location of the pet. On average, dogs cost money 50 dollars per month To guarantee, however, cats cost more 28 dollars per month.

Dogs tend to be more expensive to insure than cats because they are prone to more hereditary conditions and require medical coverage through the provider. For the same reason, older pets cost more to insure than small children.

When you get a custom quote with any pet insurance provider, you’ll notice that they ask you to provide your zip code. This is because your monthly payment is assessed against the veterinary costs in your city. Cities and major metropolitan areas with higher costs of living tend to charge higher pet insurance premiums than rural, less developed areas.

Here’s how the cost of comprehensive pet insurance for female dogs and cats varies by state in the United States.

*These estimates are based on a sample accident and illness coverage policy with a $4,000 annual payout limit and an 80% return rate and $250 annual deductible for a 2-year-old Labrador retriever and Siamese cat living in the capital. The specific situation of each. Prices are subject to change.

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While coverage for breeding-related expenses is minimal across the pet insurance industry, it doesn’t mean it doesn’t exist. By enrolling your dam or queen in the right accident and illness plan before her pregnancy, you’ll have the peace of mind that you’ll be covered for any problems that arise before or after she gives birth.

If you’re looking for pet health care coverage for a retired or non-breeding dog or cat, check out comprehensive reviews of other leading providers like Spot, Lemonade, Embrace, Healthy Paws and the ASPCA.

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Our rating of pet insurance companies is based on in-depth industry research that includes reading hundreds of customer reviews, shopping quotes and the mystery shopping process, talking to representatives over the phone to evaluate customer service experiences, and examining 1,000 dogs and cats. Pet insurance coverage for owners nationwide to determine the most important factors.

Based on those elements, we scored each provider on a 100-point scale. We divided this final score by 20 to calculate the overall star rating out of 5.0 stars.

Here are more details about each condition and how it is measured:

• Monthly cost (25 points) The best pet insurance companies combine comprehensive coverage and plan options at affordable prices.
• Plans (15 points) The major pet insurance companies offer accident-and-sickness plans, accident-only plans, and wellness or preventive care add-ons, giving customers the option to choose the plan that’s best for their pets.
• Covered Treatments (15 points) Based on the treatments and procedures we cover companies. Companies with a wide range of covered treatments and specialty coverage earned more points than providers with more standard or comprehensive policies.
• Customization options (10 points) Providers with more annual-limit, deductible, and payment-rate options received the highest scores.
• Customer Care (10 points) We scored companies on their website accessibility and overall usability, customer service offerings, mobile apps (if available), money-back guarantees and veterinary options, providing greater customer experience to insurers.
• Industry reputation (10 points) We reviewed current ratings and certification information from the Better Business Bureau (BBB) ​​and ranked companies based on years of experience in the industry and state presence.
• Waiting time (10 points) Companies with shorter accident, pain, and bone waiting times between enrollment and coverage start date scored higher than companies with longer waiting times.
• Acceptable age (5 points) Some companies do not offer policies for pets over a certain age. We have deducted points from providers with age restrictions for covered pets.

To help us determine the best pet insurance companies in the industry, we use our ranking system to compare and contrast each company against major factors. Read our to learn more Complete pet insurance policy For review and score providers.